Personal Savings

Interest is paid on all savings accounts and rate of interest may be changed at any time at bank discretion.

CONSUMER SAVINGS

Minimum of $50.00 required to open account.

Service Charge of $4.00 every quarter if balance falls below $50.00 any day of quarterly statement cycle.

No more than 6 withdrawals or transfers to another account of yours or to a third party by preauthorized, automatic transfer, telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party during any calendar month.

Excessive activity charge of $4.00 charged for each debit transaction in excess of 6 withdrawals per quarter.

Interest credited to account quarterly

MINOR SAVINGS

YOU MUST BE UNDER AGE 18 TO OPEN ACCOUNT.

Minimum of $10.00 required to open account.

No more than 6 withdrawals or transfer to another account of yours or to a third party by preauthorized, automatic transfer, telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party during any calendar month.

Excessive activity charge of $4.00 for each debit transactions in excess of 6 withdrawals per quarter.

Interest credited to account quarterly

CHRISTMAS CLUB SAVINGS

Minimum of $2.00 required to open account. Interest is credited to account annually. Christmas Club Checks issued on October 15 of each year for account balance. Any withdrawals before October 15 will close account and account not allowed to be reopened until after October 15.

Money Market

Minimum of $2,500.00 required to open account

Minimum balance requirements:

To avoid monthly service charge, daily balance of $2,500.00 must be maintained

Minimum daily balance of $2,500.00 must be maintained to obtain annual percentage yield.

Monthly service charge of $10.00 if balance falls below $2,500.00 at any time during statement cycle.

Excessive Money Market transaction fee of $5.00 will be charged for each debit in excess of 6 per month